<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE FISCAL QUARTER ENDED SEPTEMBER 30, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                             746
<INT-BEARING-DEPOSITS>                             981
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,329
<INVESTMENTS-CARRYING>                          23,435
<INVESTMENTS-MARKET>                            23,215
<LOANS>                                         81,076
<ALLOWANCE>                                        674
<TOTAL-ASSETS>                                 137,707
<DEPOSITS>                                     101,297
<SHORT-TERM>                                     5,900
<LIABILITIES-OTHER>                              1,442
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 137,707
<INTEREST-LOAN>                                  4,776
<INTEREST-INVEST>                                2,832
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,608
<INTEREST-DEPOSIT>                               3,523
<INTEREST-EXPENSE>                               4,659
<INTEREST-INCOME-NET>                            2,949
<LOAN-LOSSES>                                       36
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,585
<INCOME-PRETAX>                                    551
<INCOME-PRE-EXTRAORDINARY>                         551
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       349
<EPS-PRIMARY>                                     0.93
<EPS-DILUTED>                                     0.93
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        609
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   676
<CHARGE-OFFS>                                       38
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  674
<ALLOWANCE-DOMESTIC>                               466
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            208